1998 Dodge Ram Wagon Car Insurance Rates

Searching for the cheapest car insurance rates for your Dodge Ram Wagon? Cutting costs on car insurance may be kind of frustrating for drivers who are new to buying insurance online. With literally dozens of online companies, it can easily be a difficult challenge to locate the lowest coverage rates.

The most recommended method to get rate comparisons takes advantage of the fact auto insurance companies participate in online systems to provide you with free rate quotes. All you need to do is give them rating details including if a SR-22 is required, marital status, which vehicles you own, and how old drivers are. That information is instantly provided to all major companies and they provide comparison quotes very quickly.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

These are some specific questions may help highlight if you will benefit from professional help.

  • At what point should I drop full coverage?
  • How much liability do I need to cover my assets?
  • What exactly is covered by my policy?
  • Is my 1998 Dodge Ram Wagon covered for flood damage?
  • Does my policy pay for OEM or aftermarket parts?
  • What if I total my 1998 Dodge Ram Wagon and owe more than it’s worth?
  • Can I get a multi-policy discount?
  • Am I better off with higher deductibles on my 1998 Dodge Ram Wagon?
  • When should I not file a claim?
  • Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Specific coverage details

Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a building, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, fire damage, rock chips in glass and damage from flooding. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as surgery, dental work and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability

This protects you from injuries or damage you cause to other people or property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like structural damage, pain and suffering, court costs and loss of income. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.